Sid Rana - Independent Mortgage and Insurance Specialist

31/05/2026

Still thinking about what the last few weeks have been like. 😍

22/04/2025

Sid.active-mortgages.co.uk

24/10/2024

What a lovely location for a Buy to Let Adviser lender and broker event.

Always keeping up with market developments from both lenders and technology.

29/07/2024

Recent client story!

Offer for buy to let already in hand and I called client to ask when he plans to complete. He says I think solicitors are requesting funds today. Told him to call and delay this request.

Why says client? Because I can get a lower rate as the lender just reduced there rates.

How much will this save me Sid Mortgagenie Rana?

Well you have a 5 year fixed rate and based on the amount you are borrowing it will save you £480 pa so over 5 years that will be £2,400. Is that OK?

Fantastic I'll delay completion now.

Jump onto the lenders portal and applied for the new reduced rate and within 30 seconds the case was re-offered a new offer was available to the solicitor so they could still request funds the same day.

This demonstrates the value that a broker can add to your journey. My fees are reflected in the value that I add, so this client actually saved 5 times as much as he paid for advice.

Had he gone direct it would have been up to him to keep an eye on the rates and request a new offer.

It's all about client satisfaction.

27/06/2024

I’ve been warning clients for the last year at least not to try and second guess a major reduction in rates.

Expect the new normal to be around 3.5-4.00%

Many buyers will need to make this mental adjustment at some point.

Feel free to share this.

https://news.sky.com/story/money-blog-personal-finance-mortgage-rate-shopping-sky-news-13040934?postid=7878523 -body

“Your home may be repossessed if you do not keep up repayments secured against it”

Welcome to the Money blog, your place for personal finance and consumer news and advice. Let us know your thoughts on any of the topics we're covering using the comments box below.

12/06/2024

Do you know what is in the Mortgage Charter? If not then this article will help and explain how it is being used at present.

Make sure you get the right advice where needed.

Your home may be repossessed if you do not keep up repayments on your mortgage

159,000 mortgage holders have extended their term or switched to temporarily paying interest-only.

06/06/2024

There have been several lenders increasing the rates on products over the last few days. 😩

This is likely due to swap rates(rates at which bank lend to each other) rising.

The likelyhood is that this will be temporary and rates should again start falling in July/August as inflation continues to fall and remain low. 🙂

So if you are applying for a mortgage now, keep an eye on the rates your lender is offering right up to a week before completing. It may be possible to amend the deal to a lower rate (if available) and save you a ton of money over the next few years. 💷🤑😊

29/05/2024

This is something I encourage all my clients to do when financially viable.

Should you overpay your mortgage?

MoneySaver Debbie overpaid, but others should save instead. Here's what you need to know ⬇️

https://www.moneysavingexpert.com/mortgages/mortgages-vs-savings/?utm_source=facebook&utm_medium=social&utm_campaign=mortgages&source=FBORG-MORTGAGES

28/05/2024

Worth visiting this weekend.

INVISALIGN OPEN DAY 🤩🦷

Ready for a smile transformation? Join us for our Invisalign Open Day and discover the clear path to a confident smile! ✨

The awesome .dentalnurse.mindset & taking the lead!

Limited consultations left!

See you there 01/06/24! 😃🤩

23/05/2024

Did you know that I help clients buy there dream homes by finding and arranging the most suitable mortgage on the market?

Example: First Time Buyer, good job, good income, great credit record, can also get on the property ladder with as little as £5,000 deposit.

Maximum LTV – 99%
Minimum Deposit - £5000
Minimum purchase price - £100,001
Maximum purchase price - £500,000
Minimum Loan - £95,001
Maximum Loan - £495,000
Maximum Term – 40 years
Maximum LTI is 4.49x

I can assist with this and advise on any appropriate insurances.

Sid Mortgagenie Rana





Guidance you can trust and rely on.